Fire Bull UK – Blogging My Journey to Financial Independence

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  • Mid Year Update

    Mid Year Update

    Its been a while since I’ve done a post and I’ve forgotten half of what’s gone on in that time. I will cover the things currently swirling around my head. I’ll touch base on the end of 2025, the initial struggles settling into Sydney life and my assets during this time.

    End of 2025

    The final 2 months of the year were also our first in Australia, starting with a week in Perth before starting a road trip to Melbourne, before heading to Sydney in time for Christmas.

    We stayed in Spinners Hostel. Holly’s first experience being in a mixed dorm and it’s probably safe to say it’ll be her last. The excitement wore off after finding out she was the only girl in the room and the constant bombardment of snoring and farts throughout the night. Little did she know the majority were probably coming from myself. Apologies Fred for shifting the blame to you!

    Perth was a chilled week settling in, sorting out some admin before exploring the area. The highlights besides catching up with some old faces were Freemantle, Rottnest Island and a trip to Mullalloo Beach. Perth is a remote city and doesn’t have a big buzz, but has some beautiful places in the region.

    One thing that really took us by surprise was the wind and the relentless nature of the flies. They see any swat as a challenge and might even bring a mate along for the next one. Laughably persistent.

    Mullalloo Beach at Sunset

    I’d be here all day talking about the Roadtrip so what I will say whilst it was amazing, it’s isolating and a really strong way to test out your relationship. A large amount of silence at times with running out of things to say and if there are any pet peeves either of you possess, you’ll find out.

    I’m sure I had plenty of my own bad habits, but nothing that really stuck out that Holly had. Maybe just her constantly banging her head, better than banging her elbow though as we discovered…..

    Ah G’day Mate!
    Crossing the Nullabor
    Umpherston Sinkhole

    Sydney: Rocky Start

    The first month or so in Sydney was a dream. Catching up with old faces from my last time here, making new friends and experiencing the best of Sydney’s city, beaches and national parks.

    After Australia day it was down to the business of trying to find longer term accommodation and work. Both of these turned out to be a lot harder than expected. I was ignorant to how busy Sydney would be with new arrivals also starting their lives here and the competition for housing was ridiculous. We ended up in a 3 month houseshare paying for more than we expected, with housemates and landlords that weren’t exactly what you would call our people.

    Whilst being a FIRE Blog and having the dream to retire early, I’m not in that position yet and whilst haemorrhaging funds not doing a whole lot, the volume of job rejections and the duration this stretched out over was brutal.

    I had a real identity and confidence crisis in this time, becoming a bit of a shell of myself. Holly was able to get a job pretty quicky and she was brilliant in that time, whilst to be honest, I wasn’t the greatest person to be around. I’m highly grateful to her for that.

    However, in the words of an internet legend Demi Demi “Tough times never last….. WEUHVUOWBEWBNFEWWDKHDD!” We was able to find a lease with our friends and I managed to get a job in accounting. Whilst the job isn’t perfect, it’s paying the bills and helping me build up some funds in order to enjoy more of this wonderful country at a later time.

    Remember the sacred words of Demi Demi in tough times

    Finance Update

    Prior to leaving the UK, I built a decent level of cash to fund this trip. The main financial aim when coming out was to not have to withdraw any further money from my investments during my time here. That was very close to happening!

    The cost of the campervan was paid off before we got here, so our overall costs during that trip were relatively low. By the time Sydney come round, a lot of nights out meant a big outflow during this time. It only continued with the high rent and then going on to signing a lease that needed to be furnished. Now winter is here I’m just starting to recover some of that damage to the cash position.

    I haven’t really looked at my investments the whole time I’ve been here and it’s been nice. It seems to have been on an unsurprising ride in the time with everything going on in the world currently. At the time of writing, the investments have gone up by £12k since starting our travels. Summary as per below.

  • October 2025 Net Worth

    Goodbyes 

    October was the month where I and my partner said goodbye to work, friends and family before setting off on our trip to Australia. 

    Work gave me a lovely little send off with some Aussie themed desk decorations and lunch. Will miss a lot of the finance team and look forward to catching up when finally returning. Obviously getting a game of darts in. 

    We had a leaving doo which was frighteningly heavy going, causing a 2 day hangover, as well as eating out with different family members and friends almost every night over the last 2 weeks in the UK. Operation 12 stone for 2025 is well and truly dead with project 14 stone on the horizon, at the time of writing! 

    The hardest goodbye was with the family dog. I got in as many good walks and treats as I could but the sad eyes at the end was like he knew I was going, and didn’t know when I was coming back. He’s got me through some of my worst times and leaving him hurts. At least he’s off on holiday to wales in November so he’ll be loving life. 

    An early morning start for the airport and waving off from the parents, we were on our way! 4 days and Singapore to start the trip. 

    Singapore

    We used Singapore Airlines for our first flight after having an excellent experience with them on our travels to Bali. Again they didn’t disappoint. The food was decent, the service was friendly, and one of the best things of flying with them on a Saturday was they showed the live Premier league matches. 

    We landed at 5:30 am and even this early in the morning the humidity hit like a ton of bricks. Not being able to check in for another 6 hours or so once we got to the hotel wasn’t a pleasant thought after a long flight. After a coke in the air conned lobby we left our bags with reception and went on to Fort Canning for a walk around before returning a couple of hours before check in, luckily the reception staff had mercilessly got our room cleaned early so we could get in to shower and nap. 

    I will go into more detail of our Singapore travels in another post but over the 4 days we had a brilliant time seeing the sights, soaking in the tranquil feel and eating our way round this beautiful country. A place I’d happily go back to and would even consider living there in the future. 

    Australia

    After a 5 hour flight from Singapore we landed in Perth late on the 30th. After almost eight years I was back in the country I’d had some of my best times in and Fire Heffers first time after her uni semester here was cancelled due to covid. We got through passport control and was off to the hostel. 

    After checking in we had a little walk in the city centre. There were people bouncing about in their Halloween costumes outside the city’s bars, but all we wanted was some food. After settling for some tacos and quesadillas we headed back to the hostel and had an early one before doing some life admin on the final day of the month before really cracking on with our time in Aus in November. 

    Liquid Assets Update October

    In October I was lucky enough to get some going away money from work and some family which went towards a camera and a new phone before the trip. 

    My final paycheck was slightly prorated due to leaving work on the 22nd with all my holiday being used also. 

    So far I’ve been unable to get into my investments whilst away, so I have only been able to update cash for the months figures. Ready for the steady decline to proceed over the next few months :’)

  • August 2025 Net Worth

    August was over in a flash which is a big shame with the nights drawing in and the end of the summer.

    I finally had the splint removed from my finger in August and 2 weeks on , it’s hasn’t healed anywhere near as much as I would’ve liked. There’s still plenty of scar tissue, with the strength and flexibility no where near where I would’ve expected 2 months on from injuring the finger. I might have to go back to the hospital if there isn’t further progress during September.

    Despite this I did return to sports, playing in a charity football tournament and one game of cricket. The tournament and the return of the football league has reignited my interested in football somewhat, but no regrets for not playing the start of the season before heading to Aus. The cricket game confirmed I am nowhere near the level to play anymore of the season with only a few games left.

    There has been no further updates since the acquisition. It looks like there will not be any more until after I will hand in my notice. No redundancy incoming 🙁

    August 2025 Financial Position

    It was another month of not investing any of my pay check and building my cash position. I needed a new mattress as well as my Mum’s birthday taking place, so not as big a surplus as I would’ve liked in the month, but my cash position has hit over £10K for the first time since April 2021!